Root Inc (ROOT)vsW. R. Berkley Corp (WRB)
ROOT
Root Inc
$53.54
+1.71%
FINANCIAL SERVICES · Cap: $868.86M
WRB
W. R. Berkley Corp
$68.57
+3.41%
FINANCIAL SERVICES · Cap: $25.42B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 851% more annual revenue ($14.85B vs $1.56B). WRB leads profitability with a 12.6% profit margin vs 3.5%. WRB trades at a lower P/E of 14.5x. WRB earns a higher WallStSmart Score of 65/100 (C+).
ROOT
Buy57
out of 100
Grade: C
WRB
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 95.3% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 26.0% YoY
Areas to Watch
Smaller company, higher risk/reward
3.5% margin — thin
Weak financial health signals
Distress zone — elevated risk
4.0% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ROOT
The strongest argument for ROOT centers on EPS Growth, P/E Ratio, Price/Book. Revenue growth of 12.6% demonstrates continued momentum.
Bull Case : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.
Bear Case : ROOT
The primary concerns for ROOT are Market Cap, Profit Margin, Piotroski F-Score. Thin 3.5% margins leave little buffer for downturns.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ROOT carries more volatility with a beta of 2.86 — expect wider price swings.
ROOT is growing revenue faster at 12.6% — sustainability is the question.
WRB generates stronger free cash flow (640M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WRB scores higher overall (65/100 vs 57/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Root Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Root, Inc. offers insurance products and services in the United States. The company is headquartered in Columbus, Ohio.
Visit Website →W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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